For LendersIncome Desk
Income Desk
Qualifying income across W-2, self-employed, rental and retirement — each figure cited to the document it came from. With rep-and-warrants
Income across W-2, self-employed, rental and retirement, every figure cited to the page it came from — and anything below the confidence floor handed to your underwriter named.
Income across W-2, self-employed, rental and retirement, every figure cited to the page it came from — and anything below the confidence floor handed to your underwriter named.
What it displaces
What it does
- 01
Calculates qualifying income across W-2, self-employed, rental and retirement
- 02
Runs eligible calculations with representation-and-warranty relief
- 03
Cites every figure to the page of the document it came from
- 04
Re-runs when a borrower’s income picture changes mid-file rather than leaving a stale number in the LOS
What it leaves behind
- W-2 base$6,250 / moW-2 2025 p.1
- K-1 distributions$2,104 / mo1065 K-1 p.2
- Rental, net$1,064 / moSch. E p.3
Human-in-the-loop
No guesswork. Exceptions routed to humans
A calculation below its confidence floor stops and goes to your underwriter as a named exception — with the figure, the documents it read, and the specific question that would settle it.
What it runs on
1 of 3Intake, income, condition clearing, Closing Disclosure and QC on every loan
- Intake
- Income Desk
- Clear-to-Close
- Closing Desk
- QC Desk
The rest of the origination side
All 8 origination desks- 01Loan Officer AssistantAnswers every lead in seconds and books the LO.
- 02POSThe borrower’s front door, inside the system.
- 03Document ConciergeUpstreamGets the full document set before underwriting asks.
- 05Conditions ManagerDownstreamCreates conditions against the guide, then clears them.
- 06TRID & Cure ManagementWatches every clock, catches every cure.
- 07Pre-Close QC AgentEvery file before it funds, not a ten percent sample.
- 08Compliance AgentAcross all of themEvery loan-officer call scored, none sampled.
You Ain't Seen Nothin' Yet
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from